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Best car insurance for pickup trucks

Dog on black pick up truck back view
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Dog on black pick up truck back view
Wachiraphorn/Getty Images
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The national average cost of car insurance is $1,674 per year, or about $139 monthly, based on Bankrate’s analysis of 2021 quoted premiums from Quadrant Information Services. However, there are numerous factors contributing to the overall cost of premiums, including the make and model of your truck, miles driven per year and your driving history. The cost of premiums can vary from one insurance provider to another too.

Bankrate reviewed several pickup truck models to help you find the best car insurance for pickup trucks and average cost of insurance to guide your research.

Models included in this review:

  • Chevrolet Silverado 1500
  • Dodge Ram 1500
  • Ford F-150
  • GMC Sierra 1500
  • Nissan Titan
  • Toyota Tundra

How much does it cost to insure a pickup truck?

While there are many factors influencing the cost of pickup truck insurance, price of parts and safety features have a noticeable impact.

  • Price of parts: The more expensive the vehicle is to repair, the more likely you will have higher insurance premiums. Replacement parts that cost more to provide, such as parts coming from overseas, are factored into insurance premiums.
  • Safety features: Each year usually introduces new safety features to vehicles, including pickup trucks. Recent model years can include standard safety features like anti-lock brakes, traction control and lane departure warnings such as those found with the Toyota Tundra equipped with the Toyota Safety Sense Package. This contributes to cheaper insurance costs since it lowers the risk of an accident.

Car insurance for a pickup truck

When you are in the market for a new pickup truck or simply comparing the cost of ownership for one, you may find it helpful to review the insurance costs for each make and model. The rates below include both annual minimum and full coverage averages for various pickup truck models based on rates from Quadrant Information Services, but your own rates could be higher or lower depending on your personal factors.

Car insurance for pickup truck by make and model

When purchasing a pickup truck, many drivers may not realize the impact the make and model has on car insurance rates. Generally speaking, pickup trucks that largely depend on domestic manufacturing and parts tend to cost less to insure compared to other models. While the impact to the cost of minimum coverage is not as noticeable, the cost difference between models for full coverage is more apparent.

Model car insurance Average annual full coverage premium Average annual minimum coverage premium
Chevrolet Silverado 1500 $1,682 $585
Dodge Ram 1500 $1,697 $527
Ford F-150 $1,442 $499
GMC Sierra 1500 $1,555 $503
Nissan Titan $1,867 $521
Toyota Tundra $1,716 $508

Best car insurance for pickup trucks

Truck owners have a number of options when it comes to auto insurance. However, every auto insurer has benefits and shortcomings. Based on coverage options, discounts and customer service ratings, pickup truck drivers might want to consider Erie, Amica and USAA (if eligible) as some of the best auto insurers for pickup truck drivers, according to Bankrate’s assessment.

  • Erie: Erie is a regional insurance company providing competitive rates for many pickup truck owners. Auto policies can include pet coverage, locksmith reimbursement, auto glass repair coverage, accident forgiveness and much more. Although Erie is only available in 12 states, those who do have access to their policies can take advantage of a rate lock guarantee and a variety of discounts to help you earn a lower rate.
  • Amica: Amica consistently earns top ratings for customer satisfaction with J.D. Power and earns a A+ (Superior) rating for financial strength with A.M. Best. The company sells a variety of policy add-ons, like accident forgiveness, full glass coverage and gap insurance for more protection. Amica is not always the least expensive option, but there are also a number of unique discounts, including several aimed at younger drivers.
  • USAA: USAA is a great option, but it is limited to those who meet the eligibility requirements. For current or former members of the military and their eligible immediate family members, USAA offers reliable coverage and a long list of discounts for further savings. You might earn a discount for garaging your vehicle on base, being a good student or taking a defensive driving course.

Cheapest car insurance companies for pickup trucks

Amica, Erie, Geico, State Farm and USAA are some of the best car insurance companies available, as well as some of the largest insurance companies by market offering cheaper rates.  The table below illustrates the rates from each provider for each of the popular pickup truck models.  Although your own rates will vary based on personal factors and your specific make and model, USAA consistently provides the most affordable rates on average for eligible members compared to other providers on our list.

Average annual premium for full coverage by model

Car insurance company Chevrolet Silverado 1500 Dodge Ram 1500 Ford F-150 GMC Sierra 1500 Nissan Titan Toyota Tundra
Amica $1,230 $1,328 $1,120 $1,171 $1,439 $1,316
Erie $1,274 $1,244 $1,293 $1218 $1,503 $1,388
Geico $1,317 $1,382 $1,349 $1,328 $1,739 $1,479
State Farm $1,440 $1,574 $1,300 $1,405 $1,492 $1,362
USAA $1,134 $1,197 $1,059 $1,154 $1,348 $1,182

Pickup trucks features that impact insurance costs

Drivers today have more options and features to choose from than ever. Selecting certain safety features can help not only keep you safer on the road, but also lead to additional savings on the cost of car insurance for pickup trucks. Some common safety features to you may want to ensure your truck has include:

  • Side airbags: Side airbags protect passengers in case of a side impact, including extra protection to the upper body and heads of passengers.
  • Blind spot warning: Changing lanes can be dangerous, but a blind spot warning system alerts the driver when there is another vehicle nearby. This is helpful in cases where you may not otherwise notice the other vehicle in time.
  • Lane-keeping system: This safety feature, available in Fords pickups and other models, alerts the driver when they drift too far from the center lane. This feature helps lower the probability of a side-swipe collision.

Other car insurance coverage for pickup trucks

Full coverage auto insurance for pickup trucks adds collision and comprehensive insurance to your policy, which adds financial protection against damages or losses to your pickup due to bad weather, fires, theft or collision with an animal or another vehicle. While full coverage alone adds greater financial protection than minimum coverage, there are even more ways to personalize a policy for more robust coverage. For example, purchasing replacement cost coverage helps reimburse you for a new truck of the same make and model following a covered loss.

Other coverage options for pickup trucks insurance include adding on OEM parts, which uses the original factor parts for repairs and replacement. Some insurance providers offer pet injury coverage, which covers vet bills up to a certain amount if your pet is injured in a crash.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers commute five days a week, drive 12,000 miles annually and were evaluated using the following cars:

  • 2019 Chevrolet Silverado 1500
  • 2019 Dodge Ram 1500
  • 2019 Ford F-150
  • 2019 GMC Sierra 1500
  • 2019 Nissan Titan
  • 2019 Toyota Tundra

These are sample rates and should only be used for comparative purposes.

Written by
Sara Coleman
Former Insurance Contributor
Sara Coleman is a former insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor